Horse Riding Insurance
Cover for horse-riders including training & competitions
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Horse riding training & competition cover
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Emergency medical expenses & repatriation
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Cancellation cover
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What does horse-riding insurance cover?
Our horse-riding insurance is designed for riders taking part in a wide range of activities, whether you’re enjoying regular rides, training sessions, or competing in disciplines such as dressage or cross-country.
This specialist policy combines core travel insurance with sport-specific extras. Cover can include emergency medical treatment and repatriation, trip cancellation and curtailment, horse-riding equipment, and personal accident and more, for reassurance in the field.
Alternatively, our bolt-on cover adds extra protection for horse-riding, if standard travel insurance won’t cover you.
Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.
Sports equipment is excluded under our bolt‑on cover.
Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.
How much does horse-riding insurance cost?
For trips involving horse riding, the price of your travel insurance can also vary based on the type of riding you plan to do, whether that’s riding safaris, lessons, training camps, or competition-related travel.
Your riding premium may also be affected by the level of cover you choose (bronze, silver or gold plans) and the value of any riding equipment you’re taking with you, such as helmets, boots, body protectors, saddles, or other specialist kit.
Review our example and compare a tailored quote for your horse-riding trip.
Pricing example
£80.03**
Example quote is based on:
- Sport Selected Horse-riding (including competitions)
- Sports Group Group 6
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 5 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Trip Cancellation £1,000
- Sports Equipment Cover £200
- See more benefits when you get a quote
**This example is based on a real quote from our website on 15/09/2026 for a 5-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Why you need horse-riding travel insurance
Standard travel insurance may exclude horse riding
Particularly for riding holidays, trekking, lessons or organised equestrian activities.
Riding injuries abroad can be expensive
Falls, kicks or handling injuries may lead to emergency treatment, hospital stays or repatriation.
Protect your horse-riding equipment
Replacement riding equipment can be costly if your horse-riding gear is stolen or damaged.
Our experts explain why…
“Horse riding trips can be a rewarding way to explore new places, but a fall, injury or unexpected change to your travel plans can quickly disrupt the experience.
Wearing suitable protective equipment, riding within your ability and following guidance from instructors, guides or stable staff can all help reduce the risks. Even with careful preparation, accidents can happen, and medical treatment, emergency assistance or repatriation abroad can be costly.
Our horse-riding travel insurance can help with emergency medical expenses, search and rescue, cancellations, delays and other unexpected costs, giving riders valuable protection in and out of the saddle.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Our Claims Record
Average pay out for each insurance claim
£1,599.09*
How to make a claim
Choose your policy, find the forms you need
Download and complete forms
Submit your claims for review
A Recent Claim Example
“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”
Total Paid Out
£5,971.47
Claim Type
Medical Assistance
Policy Type
Sports Travel Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
South Africa
Disclaimer
*Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.
Medical cover explained
We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*
*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.
Medical conditions must be declared
All pre-existing conditions considered
Cover available up to age 74
We'll review your details
Most declarations don't mean exclusion
Any terms will be confirmed by email
Browse other sports we cover
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
FAQs
Yes, provided you select horse riding competitions included in your policy.
If you are employed by a ranch or farm, they should provide insurance for horse riding, if it’s part of the job. If you are taking part in a horse riding experience at a ranch or farm, the activity can be covered with either our horse-riding travel insurance or sports accident policy.
Under our family policy, there Is no stipulation on age, however on a single policy for one individual, it is 6 years and up.
Yes, a variety of riding styles are covered, including Horse Jumping, Show Jumping, Eventing, Dressage, Cross Country, Point-to-Point, and Horse Racing. We can also cover Endurance events, such as the Mongolian Derby. You would need to select Endurance horse riding (including training and competition).
All Liability claims are excluded. Contact us to discuss if going more than 150km from the nearest habitation
Yes, you are covered horse riding during these scenarios for the benefits included in your policy.
Yes, you are covered for horse riding during these scenarios for the benefits included in your policy.
Yes, our Horse Riding Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
Yes, these activities can be included in our horse-riding policy. You can select these activities when you get a quote.
Yes, provided the horse riding falls within the activities covered.
Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.
Yes, you do not need supervision for horse riding for your insurance to be valid.
You are covered for activity fees if you have to cancel your horse-riding session due to injury.
Yes, if you fall from your horse, sustain an injury and require medical treatment, this can be covered under medical expenses in our travel policy. Alternatively, our sports accident policy covers permanent disability, broken bones, physiotherapy and more. Request a quote to find out about the full extent of your cover.
Yes, this can be covered under sports equipment cover, with our horse-riding travel insurance.
Night riding is included, provided you take reasonable precautions.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
This incident would fall under a liability claim. Unfortunately, we exclude cover for personal liability as we would expect the owner of the horse to have separate insurance which would provide cover for any damage or injuries that it caused.
You can select the area you are travelling to when you request a quote. Our options include Europe, worldwide excluding the USA and Canada, worldwide including the USA & Canada, plus your country of residence.
If you have purchased your policy before you are injured, you can be covered under cancellation cover, if you are not able to travel.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your riding equipment in transit to and from your destination.
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